Stop the Daily Withdrawals. Get Your Cash Flow Back.
If merchant cash advance payments are draining your account before you can operate your business, there is a way out. ClearBizDebt is an attorney-backed MCA debt relief program that stops the bleeding, reduces your total debt, and gives you one manageable weekly payment.
You needed working capital — for payroll, inventory, a slow season, or a big job that hadn't paid out yet. The MCA lender funded you fast, no questions asked. But now the daily ACH pulls are eating your account before the week even starts. One turned into two, two into three. You're robbing Peter to pay Paul and the hamster wheel is spinning faster than your revenue.
You've looked for a way out. A business loan. A line of credit. A term loan. An SBA. Private equity. None of it is coming. Banks don't touch businesses in financial distress, and alternative financing options disappear the moment funders see stacked MCA positions on your bank statements. The lenders know you're out of moves — and they count on it.
"By the end of it they were wanting $10,000 a week. I was at my last nerve and breath with the business. Within three days we had a plan on what we needed to do — and how we were going to save it."— Auto Repair Shop Owner, ClearBizDebt Client (paid over $200,000 off in 20 months)
Ready to stop the bleeding?
Find out in 15 minutes if your business qualifies. Free consultation, no obligation.
I was drowning in MCA debt owing over $550,000, paying $20,000 a week. ClearBizDebt brought my payments down to $8,000 and saved me close to $200,000 on the settlements they reached. They saved my business and I can't thank them enough.
This industry takes your money, does nothing, and disappears. ClearBizDebt is built differently — and here's exactly how.
Three things separate legitimate MCA debt relief from the companies that gave this industry its reputation: real attorneys, real transparency, and someone who actually calls you back every week. If you're in financial distress, the last thing you need is more financial stress from a company that takes your money and ghosts you. All three are built into the ClearBizDebt program from day one — so you can focus on rebuilding financial stability instead of chasing down answers.
The Withdrawals Stop. Your Business Keeps Moving.
The most immediate benefit of enrolling is simple: you stop paying lenders the current rate and replace it with one lower weekly payment. That difference — often thousands of dollars a week — goes back into your business. Payroll gets covered. Inventory gets ordered. You can focus on the work instead of watching your bank account drain.
One client went from $30,000 per week in repayments down to $15,000 the week they enrolled. Another cut their weekly payback from $20,000 to $8,000. Unlike monthly payment business loan structures that spread repayment over a longer period, MCA repayment periods are brutally short — and the high-interest equivalent cost of factor rates makes the total payback far more expensive than it appears on paper. We stop it from day one.
When Lenders Push Back, a Real Attorney Pushes Back Harder.
Most MCA debt relief companies are not attorney programs. They have no legal standing. When a lender files a lawsuit, they cannot help you. ClearBizDebt operates through a legal program that assigns a licensed MCA-specialized attorney to your case the moment legal action is filed — at no additional cost.
Between 65–80% of clients with multiple positions will face some form of legal action. This is normal and it is manageable. One red flag to watch for: confessions of judgment (COJ) — a mechanism used heavily by New York-based MCA funders that allows them to freeze your bank account without prior notice. If you signed a COJ, your situation requires specific legal strategy. Our attorneys handle these cases regularly. The attorney responds, files, and extends the timeline until a settlement is reached on your terms. You never have to set foot in court.
Settled for Less Than You Owe. Often for Pennies on the Dollar.
MCA lenders are used to getting paid in full within 3–4 months. When that stops, time works against them. Our merchant cash advance debt relief strategy builds your hardship case and escrow fund while lenders realize they cannot collect through other means. When they finally negotiate, MCA debt settlement is typically reached for far less than the original balance — often in a lump sum payment funded directly from your escrow.
One client settled $40,000 in debt for 25 cents on the dollar. Another settled her final lender for literally pennies on the dollar and cried tears of joy. The average time to a first settlement is approximately 241 days, with urgent cases expedited when active UCC liens threaten operations. The repayment terms your original MCA agreements locked you into no longer apply — we replace them with terms that work for your business.
Real Business Owners. Real Results.
These outcomes are consistent across 6,900+ businesses. Not highlights — the norm.
I had 4 MCA loans paying $15K weekly. ClearBizDebt took my payments down to $7K, answered all 3 of my lender lawsuits on time, and negotiated settlements for half of what I owed. My business is back.
I was drowning trying to make payments. ClearBizDebt settled my debt in less than the estimated time — and my last lender settled for pennies on the dollar. I cried tears of joy knowing I'm now debt free.
If it wasn't for ClearBizDebt I wouldn't have been able to keep my business open. The support from everyone there is far above other firms I talked with. They kept me informed the whole way and did everything they said — and then some.
What life looks like when you stop carrying the MCA load alone
Four things shift the moment you enroll. Each one matters more than the last.
The collectors stop reaching your family
The daily calls, voicemails to your vendors, emails threatening your employees — that's the part that grinds people down the most. Once you're in the program and legal action is filed, the lender cannot contact you directly. The harassment stops. You can focus on running your business again.
You know what's happening — every single week
The most common complaint about other debt relief companies: no one calls back. At ClearBizDebt, a dedicated account specialist checks in with you every week without exception. You know where your case stands, what's been filed, and what comes next. No wondering. No ghosting.
"I can negotiate myself" costs more than you think
Some business owners try to negotiate directly — and some MCA funders will talk. But understand what you're up against: MCA contracts are written by lawyers specifically to minimize your leverage. The interest rates embedded in factor rates — often equivalent to an effective APR of 40–150% — aren't labeled as interest rates, which puts them outside most consumer protection laws. Without legal protection, you're negotiating from zero leverage. Once a UCC lien hits or a lawsuit is filed, a self-negotiated deal goes out the window. The attorney program exists precisely because funders know most business owners will blink first. We don't.
You graduate with your business intact — not just surviving
Clients who complete the program don't just escape the debt. They come out the other side with their business operational, cash flow restored, and the psychological weight of those payments finally lifted. "I'm sleeping better. I'm not stressed anymore. My business is doing much better." That's not marketing — that's what clients say when we ask.
Stop waiting. Your lenders aren't.
Every week you wait, daily withdrawals keep draining your account. Here's everything you get when you enroll — and why ClearBizDebt finishes what other companies leave undone.
Free consultation. No pressure. Find out in 15 minutes if ClearBizDebt can help. We work with businesses carrying $20,000 to $5M+ in MCA debt.
Frequently Asked Questions
Direct answers to what every business owner asks before deciding to get help.
MCA debt relief is the process of restructuring and settling merchant cash advance business debt for less than the original balance — not refinancing it into another loan. Debt consolidation typically means taking out a new loan to pay off existing debts. That option is not available for most MCA borrowers: banks won't touch MCA debt, SBA loans can no longer be used to pay off cash advances, and no private equity firm is looking to invest in a struggling small business.
It also helps to understand what makes MCA debt different from other financing options. A credit card or term loan carries stated monthly payments and a disclosed APR. An MCA uses a factor rate instead — which means the effective APR is often 40–150% or higher, but it's never disclosed as an interest rate. That's by design. Business debt relief programs like ClearBizDebt exist specifically for this type of high-cost debt because the usual debt consolidation tools don't apply. MCA debt restructuring stops your daily withdrawals, replaces them with a single lower weekly payment, and works toward negotiated settlements — often for 25–50 cents on the dollar.
After a free consultation to confirm you qualify (minimum $20,000 in MCA debt), you enroll. We review your MCA agreements and bank statements to build a complete picture of your debt load and lender positions. Your multiple MCA withdrawals are then replaced with one lower weekly payment deposited into an escrow account in your name. ClearBizDebt declares a financial hardship on your behalf, which initiates the negotiation process with your lenders. During this period lenders may attempt to contact you, file UCC lien notices, or initiate lawsuits. If legal action is filed, a licensed MCA-specialized attorney is assigned at no additional cost. When lenders recognize they cannot collect in full, they negotiate. Settlements are funded from your escrow account and you graduate the program debt-free.
The average time to a first settlement is approximately 241 days. Full program completion depends on the number of positions you have and the behavior of each lender. Some cases resolve faster — particularly when an active UCC lien requires an expedited settlement to protect your business operations. Cases with multiple positions and difficult lenders may take longer. Time is also a strategic tool: the longer lenders wait without collecting, the more motivated they become to settle for less.
No. Merchant cash advances are not reported to personal credit bureaus the way traditional loans are. MCA debt is a business-to-business transaction, not a consumer credit product. Enrolling in a debt restructuring program does not trigger a hard inquiry and does not appear on your personal credit report. Your business credit may be affected depending on how lenders report, but your personal credit score is not impacted by ClearBizDebt's program.
Your daily or weekly ACH withdrawals to your MCA lenders are replaced by one lower weekly payment to ClearBizDebt, deposited into your own escrow account. You stop paying lenders directly. This is what creates the immediate cash flow relief clients experience from week one. The lenders will respond — with calls, emails, and eventually legal notices — and our team handles that process on your behalf.
Most companies in this space are not attorney programs. They collect fees and have no legal standing when a lender files a lawsuit. ClearBizDebt operates through a licensed legal program that assigns MCA-specialized attorneys when legal action is filed — at no additional cost. Your escrow account is in your name and visible at any time. You receive a weekly call from a dedicated account specialist. ClearBizDebt has 19+ years of industry experience, has helped over 6,900 businesses, and has delivered $300M+ in debt savings. There are hundreds of companies in this space — very few operate at this scale with this level of legal coverage.
ClearBizDebt's fees are included within the program structure and clearly outlined before you sign anything. There are no separate upfront fees charged before work begins — a key distinction from companies that collect large retainers and disappear. Your weekly payment into escrow covers both the settlement funds that will be paid to your lenders and the program fees. A detailed payment schedule showing your full repayment period and repayment terms is provided with your contract before enrollment. You will know exactly how long the program lasts and exactly where every dollar goes before you commit to anything.
If you continue paying at the current rate and cannot sustain it, lenders will accelerate collection. The red flags come quickly: UCC liens filed against your receivables, demand letters, lawsuits, and — for businesses that signed MCA agreements with confession of judgment (COJ) clauses — the risk of a frozen bank account with no advance warning. COJ is used most aggressively by New York-based MCA funders and can leave your business in acute financial distress overnight. Without legal representation, a judgment can result in your receivables being redirected directly to the lender and your business made effectively inoperable. The MCA cycle is designed to keep you paying — the only way out is a deliberate plan.
ClearBizDebt works with small business owners across the United States. Our clients commonly include restaurant owners, trucking and transportation companies, construction and contracting businesses, plumbers, electricians, retail shops, lawn care and seasonal businesses, and farmers. We work with businesses carrying between $20,000 and over $5 million in MCA debt. We do not serve businesses whose primary income is paid through private insurance claims, or businesses with floor plan financing — as those receivable structures are not compatible with the program.
Still have questions? Our specialists are available Monday–Friday.
Contact UsYou built this business. Don't let a bad loan take it from you.
There are only three ways out of MCA debt. Bankruptcy and paying full price are on the table — but so is this. A free 15-minute call with a ClearBizDebt specialist costs nothing and tells you exactly where you stand.
